1. Overview
Dream Wealth Solutions ("Dream Wealth," "we," "us," or "our") respects your privacy. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit our website, use our client portal, engage our financial, digital, AI, and publishing services, or interact with our referral program. This policy complies with the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, the "CCPA"), the California Online Privacy Protection Act ("CalOPPA"), the Gramm-Leach-Bliley Act ("GLBA"), and other applicable federal and state laws.
2. Information We Collect
We collect the following categories of personal information:
- Identifiers — name, postal address, email address, telephone number, and government-issued identification numbers used for licensing and loan applications.
- Financial information — income, employment, credit score range, loan amount, assets, and transaction history necessary to evaluate financial services.
- Insurance information — health and lifestyle information you provide for life insurance underwriting.
- Account information — username, password, and account activity within the client portal.
- Device and usage data — IP address, browser type, pages visited, referral source, and interaction analytics.
- Correspondence — messages you send through our contact forms, support chat, or consultation requests.
- Signature and contract data — digital signatures and contract records you submit through our agreement portal.
3. How We Use Your Information
- To provide, operate, and maintain the services you request.
- To process mortgage, insurance, and loan applications and deliver required disclosures.
- To communicate with you about your engagements, consultations, and account.
- To administer our referral program, including attributing referred purchases.
- To comply with legal, regulatory, and licensing obligations.
- To improve our website, services, security, and user experience.
4. How We Share Your Information
We do not sell your personal information. We may share information with: our licensed agents and loan originators; credit bureaus and third-party underwriters; service providers who perform functions on our behalf (hosting, analytics, payment processing); our affiliated partners for jointly offered services where you have consented; and regulatory authorities when required by law. Sharing of nonpublic personal financial information is conducted in accordance with GLBA privacy and safeguarding requirements.
5. Financial Information (GLBA Notice)
For mortgage lending and financial services, we are required to provide a privacy notice under the Gramm-Leach-Bliley Act. We collect nonpublic personal information only as necessary to process your application, and we do not disclose it to nonaffiliated third parties except as permitted by law. We maintain physical, electronic, and procedural safeguards to protect your financial information.
6. Cookies and Analytics
We use cookies and similar technologies to operate our site, analyze traffic, and remember your preferences. We do not use cookies to sell your personal information. You may control cookies through your browser settings. We comply with CalOPPA's requirements regarding the posting of a privacy policy and the handling of personally identifiable information.
7. Your California Privacy Rights (CCPA/CPRA)
California residents have the following rights under the CCPA:
- Right to know — request disclosure of the categories and specific pieces of personal information we collect.
- Right to delete — request deletion of your personal information, subject to legal retention obligations (e.g., loan application records under federal and California law).
- Right to correct — request correction of inaccurate personal information.
- Right to opt-out of sale or sharing — we do not sell your information. You may opt out of any "sharing" for cross-context behavioral advertising by contacting us.
- Right to limit use of sensitive personal information — including health data provided for life insurance underwriting.
- Right to non-discrimination — we will not discriminate against you for exercising your privacy rights.
To exercise these rights, submit a verifiable consumer request by contacting us at privacy@dreamwealthgroup.com. We will respond within 45 days, as required by law.
8. Financial Incentive Notice — Referral Program
Our referral program offers credit or recognition to clients who refer new customers. Under the CCPA, this is a financial incentive. Participation is voluntary, and your personal information is used only to attribute referred purchases and maintain your referral record. We do not use your personal information in a manner that is materially detrimental to you as a condition of participation. You may opt out at any time by contacting us, without penalty.
9. Children's Privacy
Our services are not directed to children under 18, and we do not knowingly collect personal information from children under 13 in compliance with the Children's Online Privacy Protection Act ("COPPA"). If you believe we have collected information from a child, please contact us for deletion.
10. Data Retention and Security
We retain personal information only as long as necessary to provide our services and comply with legal and regulatory record-keeping requirements, including California and federal financial record retention rules. We implement reasonable administrative, technical, and physical safeguards to protect your information.
11. Contact
For privacy questions or to submit a rights request, contact us at privacy@dreamwealthgroup.com.
Questions? Contact us.